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TCFC vs CL: Dividend Comparison 2026

TCFC yields 2.58% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TCFC wins by $1.69M in total portfolio value
10 years
TCFC
TCFC
● Live price
2.58%
Share price
$27.09
Annual div
$0.70
5Y div CAGR
70.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.73M
Annual income
$1,260,350.72
Full TCFC calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — TCFC vs CL

📍 TCFC pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodTCFCCL
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, TCFC + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TCFC pays
CL pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

TCFC
Annual income on $10K today (after 15% tax)
$219.64/yr
After 10yr DRIP, annual income (after tax)
$1,071,298.11/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, TCFC beats the other by $1,066,706.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TCFC + CL for your $10,000?

TCFC: 50%CL: 50%
100% CL50/50100% TCFC
Portfolio after 10yr
$884.4K
Annual income
$632,876.34/yr
Blended yield
71.56%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

TCFC
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
7/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCFC buys
0
CL buys
0
No recent congressional trades found for TCFC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCFCCL
Forward yield2.58%2.43%
Annual dividend / share$0.70$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.3%28.6%
Portfolio after 10y$1.73M$40.8K
Annual income after 10y$1,260,350.72$5,401.96
Total dividends collected$1.66M$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: TCFC vs CL ($10,000, DRIP)

YearTCFC PortfolioTCFC Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,140$440.05$11,012$312.01+$128.00TCFC
2$12,700$780.23$12,196$412.95+$504.00TCFC
3$15,005$1,415.70$13,599$549.66+$1.4KTCFC
4$18,717$2,662.11$15,288$736.64+$3.4KTCFC
5$25,313$5,285.29$17,353$995.28+$8.0KTCFC
6$38,461$11,376.20$19,926$1,357.80+$18.5KTCFC
7$68,664$27,511.07$23,194$1,873.82+$45.5KTCFC
8$151,642$78,171.76$27,439$2,621.52+$124.2KTCFC
9$437,029$274,771.27$33,088$3,727.38+$403.9KTCFC
10$1,727,971$1,260,350.72$40,806$5,401.96+$1.69MTCFC

TCFC vs CL: Complete Analysis 2026

TCFCStock

The Community Financial Corporation operates as the bank holding company for Community Bank of the Chesapeake that provides commercial and retail banking services to individuals and businesses. The company offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit; and commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, commercial, consumer, and commercial equipment loans. It also provides safe deposit box, night depository, cash vault, automated clearinghouse transaction, wire transfer, automated teller machine (ATM), online and telephone banking, retail and business mobile banking, remote deposit capture, reciprocal deposit, merchant card, credit monitoring, investment, positive pay, payroll, account reconciliation, bill pay, credit card, and lockbox services. As of December 31, 2021, it operated 11 full services branches in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; 4 loan production offices in La Plata, Prince Frederick, and Leonardtown, Maryland, as well as Fredericksburg, Virginia; and 14 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

Full TCFC Calculator →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.